Save more than 50% on life insurance with Localama*

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Licensed name varies by state: Localama Insurance Services, Localama Insurance Agency. ©2022 Localama Insurance Services. All rights reserved.

AIG Companies policies issued by American General Life Insurance Company (AGL), Houston, TX. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG).

*Savings are estimated by comparing the highest and lowest prices of policies available through Localama in April 2021 for a $500,000, 10-year policy for a 40-year-old male in excellent health with high blood pressure in KS. The highest rate was $43.31/mo and lowest rate was $18.37/mo. Exact savings for your situation can be determined by finalizing an application with a member of the Localama team. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

** Kate – Excellent health, a 10-year, $500,000 policy for only $15 a month and Jay- 35, Excellent health, a 10-year, $500,000 policy for only $18 a month. Banner Life Insurance Company- OPTerm 10-Year:  Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream NY.  Banner products are distributed in 49 states and in DC. Banner does not solicit business in NY. OPTerm policy form #ICC18-OPTC and state variations. Two-year contestability and suicide provisions apply. The Banner term life insurance premiums quoted here are based on the information provided for this quote. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided on the application, exam results and specific underwriting requirements and criteria. OPTerm 10 issue ages are 20-75 all classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000 and above. Premiums quoted include $60 annual policy fee. Premiums are guaranteed to stay level for 10 years and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco classes. OPTerm 10 substandard policies can be issued through Table 12, subject to underwriting discretion. Coverage can be renewed to age 95. Policies can be returned without obligation within 30 days of receipt in most states. Policy descriptions provided here are not a statement of contract. All guarantees are based on the financial strength and claims paying ability of Banner Life Insurance Company. Please refer to the policy forms for full disclosure of all benefits and limitations. Rates as of 2/4/2020. Compliance #20-079.

***Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Localama or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/home/ratings.aspx